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HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
★★★★★ monitor_heart Health Score: 52/100 · AverageHDFC Mutual Fund · Solution Oriented · Retirement Fund
₹24.83
AUM: ₹150 Cr
NAV updated 26 days ago
Plan
Direct
Option
Growth
Risk
—
Expense Ratio
1.37%
Exit Load
Nil
Fund Manager
Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas
Inception
Feb 2016
Benchmark
NIFTY 50 Hybrid Composite Debt 15:85 Conservative Index
Sharpe Ratio
-1.17
Std Dev (1Y)
3.8%
Historical Returns (CAGR)
Annualized trailing returns computed from NAV history — past performance only, not a guarantee of future results.
1m
+1.49%
3m
+2.4%
6m
-0.2%
1y
+2.12%
3y
+7.98%
5y
+7.73%
10y
+8.91%
since inception
+9.19%
rate_review TopFund's Take on HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan sits in the middle of the pack for Retirement Fund funds, currently carrying a 3-star rating. TopFund's composite Health Score, which weighs rating, 3-year CAGR, expense ratio and fund size, puts it at 52/100.
Cost: At 1.37%, the expense ratio runs 43% above the Retirement Fund category average of 0.96%. That gap is worth weighing against the fund's actual performance versus cheaper peers before committing to a long SIP.
Risk-adjusted performance: Over the trailing 1-year period, the fund shows a negative Sharpe ratio of -1.17 — over the past year, returns haven't kept pace with the volatility involved, even before accounting for the risk-free rate. Separately, annualised volatility of 3.8% is on the lower side, suggesting a comparatively smoother ride.
Who should invest: This fund is best suited to investors whose goals and risk appetite align with a Solution Oriented fund.
This is an automated, data-driven analysis based on the fund's own metrics and its category peers — not personalized investment advice. Consult a SEBI-registered advisor before investing.
donut_small Sector Allocation
pie_chart Asset Allocation
info Fund Snapshot
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tips_and_updates Tools & Guides for This Fund
Frequently Asked Questions about HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan
The current NAV (Net Asset Value) of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is ₹24.83. NAV is updated every business day after market close by AMFI.
1Y: 2.12% · 3Y CAGR: 7.98% · 5Y CAGR: 7.73%
The expense ratio is 1.37% per annum — the annual fee deducted from your investment to cover fund management costs.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is managed by Shobhit Mehrotra, Chirag Setalvad, Rakesh Vyas at HDFC Mutual Fund.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is a moderate risk fund. Suitable for investors with a moderate risk appetite.
HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is a Retirement Fund fund. SIP suitability depends on your investment goal and risk profile.
The Assets Under Management (AUM) of HDFC Retirement Savings Fund - Hybrid-Debt Plan - Growth Option - Direct Plan is ₹151 crore as of the latest data.
* Past performance is not indicative of future results. Mutual fund investments are subject to market risks.